Home Equity Credit Lines Lowest Rates Lowest Costs.

Do you need extra cash to consolidate your high interest debts? Or, do you need to make needed home improvements, pay for college tuition, make special timely investments, or use it for just about anything else you need? With your home's equity, you have several options. You can use a home equity loan to borrow a portion or all of the equity in your home. Or, you can use an equity credit line, in which you borrow as needed, from a line of credit similar to a credit card.

An equity credit line is a loan with a maximum credit limit that allows the borrower(s) to disburse funds up to the maximum credit line as needed. Funds may be disbursed repeatedly as the principal balance is paid down up to the maximum credit limit available. A line of credit functions similar to a credit card, and may be accessed by writing a check or a using a debit card. You can also pay back your credit line on your own terms. You can make the minimum payment, pay off your entire balance all at once, or somewhere in between. It's all up to you. When you repay your Equity Credit Line, those funds are immediately available again to use.

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